SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20552 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 January 26, 2005 ------------------------------------------------------ Date of Report (Date of earliest event reported) Synergy Financial Group, Inc. ------------------------------------------------------ (Exact name of Registrant as specified in its Charter) New Jersey 0-50467 52-2413926 - ---------------------------- ---------- ------------- (State or other jurisdiction (File No.) (IRS Employer of incorporation) Identification Number) 310 North Avenue East, Cranford, New Jersey 07016 - ------------------------------------------- ----- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (800) 693-3838 -------------- Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last Report) Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions: |_| Written communications pursuant to Rule 425 under the Securities Act |_| Soliciting material pursuant to Rule 14a-12 under the Exchange Act |_| Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act |_| Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act SYNERGY FINANCIAL GROUP, INC. INFORMATION TO BE INCLUDED IN REPORT ------------------------------------ Item 2.02 Results of Operations and Financial Condition - --------- --------------------------------------------- On January 26, 2005, the Registrant issued a press release to report earnings for the quarter ended December 31, 2004. The Registrant also announced that it intends to repurchase up to 5% of its outstanding shares of common stock in an open market repurchase program. A copy of the press release is furnished with this Form 8-K as exhibit 99. Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits - --------- ------------------------------------------------------------------ Exhibit Number Description ------ ----------- 99 Press Release dated January 26, 2005 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, thereunto duly authorized. SYNERGY FINANCIAL GROUP, INC. Date: January 26, 2005 By: /s/Kevin A. Wenthen -------------------------------- Kevin A. Wenthen Senior Vice President and Chief Administrative Officer